Does Delta Dental Cover Tooth Filling?
Yes — Delta Dental covers 50% of tooth filling as a major procedure, subject to your annual maximum and deductible.
Estimated cost with Delta Dental
Total cost (national avg)
$210
Delta Dental pays
$55
You pay
$155
Coverage tier: major (50%)
Deductible: $50/year
Annual max: $1,500
See Tooth Filling cost by city →
Costs vary 30%+ between metros. See your specific area.
Delta Dental full coverage guide →
What Delta Dental covers across all procedures.
FAQ: Delta Dental and Tooth Filling
Does Delta Dental cover tooth filling?▾
Yes. Delta Dental covers 50% of tooth filling on standard plans, subject to your annual deductible ($50) and annual maximum ($1,500). At the national median price of $210, the plan pays approximately $55 and you pay $155 out of pocket.
What's my out-of-pocket cost for a tooth filling with Delta Dental?▾
At the national median price of $210, Delta Dental pays about $55 and you pay about $155. Actual out-of-pocket depends on: (1) whether the dentist is in Delta Dental's network, (2) how much of your annual max you've already used, (3) whether the deductible has been met this year, and (4) local pricing (see cost-by-city pages).
Is there a waiting period?▾
None for preventive; 6 months for basic; 12 months for major. If you enrolled recently, verify with Delta Dental customer service before scheduling — some plans have a 6–12 month waiting period on major procedures.
Can I use an HSA or FSA with Delta Dental?▾
Yes. Whatever Delta Dental doesn't cover, you can pay from an HSA (Health Savings Account) or FSA (Flexible Spending Account) using pre-tax dollars. Note the FSA "use it or lose it" rule.
What if my dentist is out of network?▾
Out-of-network dentists cost more out of pocket because Delta Dental pays based on the plan's "usual and customary" rate, not the dentist's actual charge. If your dentist charges $210 and the plan's UCR is lower, you pay the difference. Use Delta Dental's find-a-dentist tool to check network status before scheduling.
Confirm coverage with Delta Dental
Estimates use $Delta Dental's standard coverage tiers and typical plan structure. Your exact plan may have different tiers, deductibles, or waiting periods — always call the number on your insurance card for a pre-authorization on major procedures.